Mine did 18.7% in 2013, but only 1% last year. 5yr. is 7.7%. I'm at 5.1% for this year so far.

When I looked last week it was 8% for the year.  For the quarter it would be even higher because the first quarter of the year it got as low as -6%.    Last year was -1.5%.

I was around 5% last year, and that was my first year, so yes, 10% is good to me haha.

That data is readily available on the line.

For my retirement i always figure 5.5% return and inflation at 3 point. My return is around 6.3 in reality, not great but im used to less passive investments. I only use my 401k as an emergency lose my job fund and bc the company does a 4% match.

My short term is 9.79YTD, not sure on the overall.  I wish my IRA was doing that well.

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It depends on the allocations of both your IRAs. How much risk are willing to take with your 401k? What type of return do you expect? What are your liquidity needs? What is your time horizon? These are questions you should ask yourself before you look at how your 401k is being invested. If you are under 40, are willing to take on risk, are investing for the next 20 years, have low liquidity needs, and your 401k is in more than 15% cash/bonds/fixed income, you need to consider reallocating or self directing. Typical 401k accounts are invested in target date funds, which can be a great option if you don't care do ever look at it. However, if you are willing to spend a little time to look at your account and do some research, you can find plenty of index funds and ladder the trailing returns to give heavier weightings towards the longer time frame, higher performing funds. This type of basic strategy will far outperform a target date fund. Even a 2055, which is as far as I am aware of any going out.